Haha, no, you just have values for what you want in a partner, and aren't willing to sacrifice them just to reach some standard. Don't worry about it, all those people dropping their virginity will probably end up feeling regret later because they gave it up for somebody that they didn't really end up caring about. Just wait until you know it is time, and then things will take care of themselves. Until you are certain, you aren't ready. But once you're dead certain, then nothing else matters.
How will you know when you are certain? When you know
I know it's a bit hard to swallow, but just trust me, you will have that time when you have no doubts and will feel no regrets.